WO2020119095A1 - 基于nfc标签实现的数据处理方法及其系统、标签收款终端 - Google Patents

基于nfc标签实现的数据处理方法及其系统、标签收款终端 Download PDF

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Publication number
WO2020119095A1
WO2020119095A1 PCT/CN2019/094981 CN2019094981W WO2020119095A1 WO 2020119095 A1 WO2020119095 A1 WO 2020119095A1 CN 2019094981 W CN2019094981 W CN 2019094981W WO 2020119095 A1 WO2020119095 A1 WO 2020119095A1
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WIPO (PCT)
Prior art keywords
tag
payment
data
nfc tag
updated
Prior art date
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PCT/CN2019/094981
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English (en)
French (fr)
Inventor
鲁志军
蒋海俭
刘刚
林晋任
才华
章政
金可威
夏钦
Original Assignee
中国银联股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 中国银联股份有限公司 filed Critical 中国银联股份有限公司
Priority to SG11202009758VA priority Critical patent/SG11202009758VA/en
Priority to NZ768021A priority patent/NZ768021A/en
Priority to JP2020562145A priority patent/JP6976460B2/ja
Priority to AU2019397089A priority patent/AU2019397089A1/en
Priority to EP19897086.5A priority patent/EP3859643A4/en
Priority to KR1020207029633A priority patent/KR20200124757A/ko
Priority to US17/250,063 priority patent/US20210248590A1/en
Publication of WO2020119095A1 publication Critical patent/WO2020119095A1/zh
Priority to AU2021269336A priority patent/AU2021269336A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction

Definitions

  • the invention relates to computer technology, in particular to a data processing method based on NFC tags, a system thereof, and a tag collection terminal.
  • the existing NFC tag payment solution is that after the user's mobile terminal is close to the NFC tag, the user enters the transaction amount on the mobile terminal to complete the payment (for the case where the tag is a variable amount), which will increase the user's operation complexity and reduce the user's
  • the payment experience also increases the difficulty for merchants to confirm payment collection.
  • the above-mentioned problem aims to provide a data processing method based on NFC tags that does not require the user to input the transaction amount, a system thereof, and a tag collection terminal.
  • An aspect of the data processing method based on the NFC tag of the present invention includes:
  • Amount data acquisition step to obtain amount data
  • the custom order number generation step generates a custom order number used to identify the transaction, wherein the payment status of the custom order number is set to an unpaid state when the transaction is not paid, and the transaction is completed After being set to the successful payment status;
  • a tag data application request is issued based on the original NFC tag data, the acquired amount data, and the custom order number;
  • a tag data response step based on the tag data application request, generates updated NFC tag data and saves the custom bill number, and sets the payment status of the custom bill number to an unpaid state;
  • a tag updating step updating the NFC tag based on the updated NFC tag data to generate an updated NFC tag, wherein the updated NFC tag includes the amount data;
  • the updated NFC tag is read, the payment process is completed based on the updated NFC tag, and the payment status of the custom order number is changed to the payment successful status when the payment is successful.
  • the method further includes:
  • the polling step it is judged whether payment processing based on the updated NFC tag is performed by polling the payment status of the custom number based on the custom number.
  • the tag payment step includes:
  • An aspect of the data processing method based on the NFC tag of the present invention includes:
  • Amount data acquisition step to obtain amount data
  • the custom order number generation step generates a custom order number used to identify the transaction, wherein the payment status of the custom order number is set to an unpaid state when the transaction is not paid, and the transaction is completed After being set to the successful payment status;
  • a tag data application request is issued based on the original NFC tag data, the acquired amount data, and the custom order number;
  • a tag data response receiving step receiving a tag data response generated based on the tag application request, wherein, as a tag data response, the updated NFC tag data is generated based on the tag data application request;
  • the NFC tag is updated based on the updated NFC tag data to obtain the updated NFC tag for use in payment processing, wherein the updated NFC tag includes the amount data.
  • the method further includes:
  • the polling step it is determined whether the payment processing based on the updated NFC tag is performed by polling the payment status of the custom number.
  • An aspect of the data processing method based on the NFC tag of the present invention includes:
  • Amount data acquisition step to obtain amount data
  • the custom order number generation step generates a custom order number used to identify the transaction, wherein the payment status of the custom order number is set to an unpaid state when the transaction is not paid, and the transaction is completed After being set to the successful payment status;
  • the tag updating step updates NFC tag data based on the amount data and the custom order number to obtain an updated NFC tag, wherein the updated NFC tag includes the amount data;
  • the updated NFC tag is read, a payment request is completed and a payment response is received based on the updated NFC tag, wherein the payment request further includes the custom order number and the self Define the payment status of the single number, and change the payment status of the custom single number to the successful payment status if the payment is successful.
  • the method further includes:
  • the polling step it is determined whether the payment processing based on the updated NFC tag is performed by polling the payment status of the custom number.
  • the tag payment step includes:
  • Tag payment request includes the updated NFC tag data, the encrypted data, the custom bill number, and the payment status of the custom bill number ;
  • the information indicating that the payment is successful is sent, and preferably, at the same time, the payment status of the custom order number is changed according to the payment success message.
  • An aspect of the data processing method based on the NFC tag of the present invention includes:
  • Amount data acquisition step to obtain amount data
  • the custom order number generation step generates a custom order number used to identify the transaction.
  • the payment status of the custom order number is set to the unpaid state when the transaction is not paid, and is processed after the transaction is completed. Set to successful payment status;
  • the NFC tag data is updated based on the amount data and the custom order number, and an updated NFC tag is generated for payment processing, wherein the updated NFC tag includes the amount data.
  • the method further includes:
  • the polling step it is determined whether the payment processing based on the updated NFC tag is performed by polling the payment status of the custom number.
  • a data processing system based on an NFC tag on one aspect of the present invention is characterized by an external input device, a tag payment terminal, a handheld payment terminal, and a tag payment system,
  • the external input device is used to input amount data and provide it to the tag collection terminal,
  • the tag payment terminal has:
  • NFC tag module used to store NFC tag data
  • the MCU used to generate a custom order number used to identify the transaction, where the payment status of the custom order number is set to the unpaid state when the transaction is not paid, on the other hand, used to based on the original NFC tag data ,
  • the amount data provided by the external input device and the custom order number send a tag data application request to the tag payment system to obtain the updated NFC tag data described below, and for payment based on the tag
  • the following updated NFC tag data acquired by the system updates the NFC tag in the NFC tag module to generate an updated NFC tag, wherein the updated NFC tag includes the amount data
  • the tag payment system is used to generate updated NFC tag data according to the tag data application request from the tag collection terminal and save the custom order number, and set the payment status of the custom order number It is an unpaid state (preferably set at the same time), on the other hand, when the transaction corresponding to the custom order number is successful in payment, the payment state of the custom order number is changed to the successful payment state,
  • the handheld payment terminal is used to read the updated NFC tag from the tag collection terminal and complete payment processing based on the updated NFC tag.
  • the tag payment terminal further includes:
  • the polling module judges whether payment processing based on the updated NFC tag is performed by polling the payment status of the custom number in the tag payment system based on the custom number.
  • the external input device and the tag collection terminal are provided separately,
  • the external input device is integrated into the tag payment terminal.
  • One aspect of the present invention is a tag payment terminal, which is characterized by:
  • NFC tag module for storing NFC tag data
  • MCU used to generate a custom order number used to identify the transaction, where the payment status of the custom order number is set to the unpaid state when the transaction is not paid, on the other hand, used to based on the original NFC tag data , Amount data provided by the input device and the custom order number issue a tag data application request to obtain updated NFC tag data, and are used to update the NFC tag module based on the acquired updated NFC tag data
  • the NFC tag generates an updated NFC tag, wherein the updated NFC tag includes the amount data.
  • the polling module determines whether payment processing based on the updated NFC tag is performed by polling the payment status of the custom number based on the custom number.
  • a data processing system based on NFC tags on one aspect of the present invention is characterized by an external input device, a tag payment terminal, a handheld payment terminal, and a tag payment system,
  • the external input device is used to input amount data and provide it to the tag collection terminal,
  • the tag payment terminal has:
  • NFC tag module for storing NFC tag data
  • the MCU is used to generate a custom order number for identifying a transaction, wherein the payment status of the custom order number is set to an unpaid state when the transaction is not paid, and on the other hand, is used to convert the amount data And the custom number is updated to the NFC tag data stored in the NFC tag module to generate an updated NFC tag,
  • the handheld payment terminal is used to read the updated NFC tag, issue a payment request to the tag payment system based on the updated NFC tag and receive a payment response from the tag payment system, wherein the payment
  • the request also includes the custom order number and the payment status of the custom order number
  • the tag payment system is used to receive a payment request from the handheld payment terminal and return a payment response to the handheld payment terminal, and when the transaction corresponding to the custom bill number is successful when the payment is successful Define the payment status of the single number as the successful payment status.
  • the tag payment terminal further includes:
  • the polling module determines whether payment processing based on the updated NFC tag has been performed by polling the payment status of the custom order number in the tag payment system.
  • the external input device and the tag payment terminal are provided separately, or
  • the external input device is integrated into the tag collection terminal
  • An aspect of the present invention is a tag payment terminal, characterized by:
  • NFC tag module for storing NFC tag data
  • the MCU is used to generate a custom order number for identifying a transaction, wherein the payment status of the custom order number is set to an unpaid state when the transaction is not paid, and on the other hand, is used to input the input device
  • the obtained amount data and the custom order number are updated to the NFC tag data stored in the NFC tag module to generate an updated NFC tag
  • it further includes:
  • the polling module determines whether payment processing based on the updated NFC tag has been performed by polling the payment status of the custom number.
  • a computer-readable medium in one aspect of the present invention has a computer program stored thereon, which is characterized in that the above-mentioned data processing method based on an NFC tag when the computer program is executed by a processor.
  • a computer device includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and is characterized in that the processor implements the computer program to implement the above-mentioned NFC tag Realized data processing method.
  • the user does not need to input the transaction amount on the mobile terminal, but the merchant inputs and updates the transaction amount to the NFC tag
  • the user's operation complexity and the user's payment experience it is possible to reduce the difficulty of confirming the merchant's payment collection, and it is possible to improve both the user and the merchant's experience.
  • FIG. 1 is a flowchart showing a data processing method based on an NFC tag according to the first embodiment of the present invention.
  • FIG. 2 is a block diagram showing a data system based on an NFC tag according to the first embodiment of the present invention.
  • FIG. 3 is a flowchart showing a data processing method based on an NFC tag according to a second embodiment of the present invention.
  • FIG. 4 is a block diagram showing a data system implemented based on an NFC tag according to a second embodiment of the present invention.
  • FIG. 1 is a flowchart showing a data processing method based on an NFC tag according to the first embodiment of the present invention.
  • the data processing method based on the NFC tag of the first embodiment of the present invention relates to an online payment method based on the NFC tag.
  • the online payment method is implemented by an external input device, a tag collection terminal, an acquisition system, a handheld payment terminal (for example, a mobile terminal of a payment user), and a tag payment system.
  • the external input device may be externally connected to the tag collection device, or of course, may be integrally formed with the tag collection device.
  • the external input device may be an external keyboard or a keyboard integrated on the tag payment terminal.
  • the NFC tag in the tag collection terminal stores tag data, including the origination method, transaction currency, country code, merchant name, merchant city, merchant MCC, merchant code, transaction amount, tag ID, etc., where the transaction amount is determined by the merchant input .
  • tag data including the origination method, transaction currency, country code, merchant name, merchant city, merchant MCC, merchant code, transaction amount, tag ID, etc.
  • the initiation method "31”, transaction currency "156", country code "CN”, merchant name “ABC”, merchant city “shanghai”, merchant MCC "5311”, merchant code "2500034400020344500034453110004" (the last 15 digits are the merchant number ), transaction amount "0.00”, organization code "220330", tag ID "456”.
  • the NFC tag-based data processing method of the first embodiment of the present invention includes:
  • Step S1 The merchant enters the transaction amount "100.00" through an external input device and confirms it;
  • Step S2 The tag collection terminal receives the transaction amount information, and generates a merchant custom order number such as "100200" through its MCU, and sends a tag data application request to the acquiring system.
  • the custom order number here is used for identification
  • the payment status of the custom note number is set to the unpaid status when the transaction is not paid, and is set to the successful payment status after the transaction is completed;
  • Step S3 The acquiring system then sends a label data application request to the label payment system, where the request elements include, for example, the merchant number "500034453110004" (the merchant number here is formed by intercepting a part of the merchant code "2500034400020344500034453110004"), and the institution code " 220330", tag ID "456", merchant custom order number "100200” and transaction amount "100.00” (where the merchant number, institution code, tag ID and other information are equivalent to "original NFC tag data”);
  • Step S4 The tag payment system processes the tag data application request, saves the merchant's custom order number "100200" and saves the payment status of the custom order number as unset, and sets the tag data to a valid state, and can also selectively tag Set the validity period of the data, such as "1 day", and then send the tag data to the acquiring system, please apply for a response;
  • Step S5 The acquiring system then forwards the tag data application response to the tag collection terminal;
  • Step S6 After receiving the tag data application response, the tag payment terminal updates the transaction amount “100.00” to the tag data of the tag collection terminal through its MCU, and prompts the user to touch the tag collection terminal, such as voice Prompt or indicator light prompt;
  • Step S7 The user touches the designated position of the tag collection terminal with the handheld payment terminal, and reads the updated tag data, such as the initiation method "31", the transaction currency “156", the country code “CN”, and the merchant name “ABC” ", merchant city “shanghai”, merchant MCC “5311”, merchant code "2500034400020344500034453110004" (the last 15 digits are the merchant number), transaction amount "100.00", institution code "220330", label ID "456", and in accordance with a specific format
  • the organization visits the link, for example, the content in the updated tag data according to the format https://nfc.123.com/nfctag/ ⁇ method name>?
  • Step S9 After the updated NFC tag of the tag collection terminal is read, it polls the payment status of the merchant's custom order number "100200" to judge the transaction result, such as querying the merchant's custom definition from the tag payment system every 0.5 seconds Whether the payment status of order number "100200" is payment;
  • Step S10 The handheld payment terminal sends a tag payment request to the tag payment system
  • Step S11 After the tag payment system verifies the legitimacy of the tag data, a tag payment response is returned, where the legitimacy verification refers to judging whether the sent tag data is consistent with the data saved by the tag payment system;
  • Step S12 The handheld payment terminal receives the tag payment response, and if the legality verification is passed, the payment page is displayed;
  • Step S13 After confirming the payment information, the user invokes the payment control through the handheld payment terminal to complete the payment;
  • Step S14 The handheld payment terminal sends payment success information to the tag payment system
  • Step S15 When the tag payment terminal inquires that the order payment in the tag payment system is successful, the payment success information is fed back, for example, the voice feedback "merchant order "100200", 100 yuan received".
  • FIG. 2 is a block diagram showing a data system based on an NFC tag according to the first embodiment of the present invention.
  • the data processing system based on the NFC tag includes an external input device 100, a tag payment terminal 200, a handheld payment terminal 300, an acquiring system 400, and a tag payment system 500.
  • the external input device 100 is used to input the amount data and provide it to the tag payment terminal.
  • the tag payment terminal 200 includes:
  • the NFC tag module 210 is used to store NFC tag data
  • the MCU220 used to generate a custom order number for identifying a transaction, where the payment status of the custom order number is set to an unpaid state when the transaction is not paid, and on the other hand, is used based on the original NFC tag data .
  • the amount data provided by the external input device and the custom order number send a tag data application request to the tag payment system to obtain the updated NFC tag data described below, and for payment based on the tag
  • the following updated NFC tag data acquired by the system updates the NFC tag in the NFC tag module to generate an updated NFC tag, wherein the updated NFC tag includes the amount data;
  • the polling module 230 determines whether payment processing based on the updated NFC tag has been performed by polling the payment status of the custom number in the tag payment system based on the custom number.
  • the tag payment system 500 is used to generate updated NFC tag data according to the tag data application request from the tag collection terminal and save the custom order number, and set the payment of the custom order number The status is unpaid.
  • the payment status of the custom order number is changed to the successful payment state.
  • the handheld payment terminal 300 is used to read the updated NFC tag from the tag payment terminal and complete payment processing based on the updated NFC tag.
  • the bill collection system 400 is provided between the tag collection terminal 200 and the tag payment system 500 and is used for both communication connections.
  • the tag collection terminal 200 and the tag payment system 500 may be directly communicatively connected and the bill collection system 400 may be omitted.
  • the external input device 100 and the tag cash collection terminal 200 may be provided separately, or may be integrated, for example, integrating the external input device 100 into the tag cash collection terminal 200.
  • Fig. 3 is a flowchart showing a data processing method based on an NFC tag according to a second embodiment of the present invention.
  • the data processing method based on the NFC tag of the second embodiment of the present invention relates to an offline payment method based on the NFC tag.
  • the offline payment method is implemented by an external input device, a tag collection terminal, an acquisition system, a handheld payment terminal (equivalent to the user's mobile phone), and a tag payment system.
  • Step S21 The merchant enters the transaction amount "100.00" through an external input device and confirms it;
  • Step S22 After receiving the transaction amount information, the tag collection terminal generates the merchant custom order number "100200", and updates or writes the transaction amount "100.00” and the merchant custom order number "100200" to the tag data through the MCU, and then Prompt the user to touch the tag collection terminal, for example, it can be a voice prompt or an indicator light, where the custom order number is used to identify the transaction, the payment status of the custom order number is not in the transaction Set to unpaid status during payment, and set to successful payment status after the transaction has been completed;
  • Step S23 The user touches the designated location of the tag payment terminal with the handheld payment terminal;
  • Step S24 What is different from the first embodiment here is that the tag collection terminal stores the merchant's private key, and the tag payment system stores the merchant's public key.
  • Label data includes, for example, the origination method "31", transaction currency "156", country code "CN”, merchant name “ABC”, merchant city “shanghai”, merchant MCC "5311”, merchant code "2500034400020344500034453110004" (last 15 digits) Is the merchant number), the transaction amount is "100.00", the institution code is "220330", the tag ID is "456", etc.
  • the access link is organized according to a specific format, for example, the content in the tag data is formatted according to the format https://nfc.123.
  • Step S25 After the NFC tag of the tag payment terminal is read, the tag payment system is polled for the transaction result by querying the payment status of the merchant's custom order number "100200", such as querying the merchant for the tag payment system every 0.5 seconds Whether the payment status of the custom order number "100200" is the payment successful status;
  • Step S26 The handheld payment terminal sends a tag payment request to the tag payment system, wherein the mobile payment terminal sends the encrypted data “abcd” and the unencrypted tag data to the tag payment system, and also sends the user-defined order number “100200” "It is sent to the tag payment system through the tag payment request.
  • the custom order number "100200” is paid, the payment status is unpaid (or the custom order number can also be received by the tag payment system After "100200", the payment status in this period is set to the unpaid status in step S27);
  • Step S27 After the tag payment system verifies the legality of the tag data, the tag payment response is returned.
  • the legality verification includes, for example: the tag payment system decrypts the encrypted data “abcd” with the merchant’s public key, and the decryption is decrypted after successful decryption After the hash value "hash1", then use the same hash algorithm to hash the unencrypted label data to obtain the hash value "hash2", if "hash1" and “hash2" are equal, it means that the label data is not Tampered, that is, the tag payment request is legal;
  • Step S28 The handheld payment terminal receives the tag payment response, and if the validity verification is passed, the payment page is displayed;
  • Step S29 After confirming the payment information, the user invokes the payment control through the handheld payment terminal to complete the payment;
  • Step S30 The handheld payment terminal sends payment success information to the tag payment system, and the tag payment system changes the payment status of the custom order number "100200" to the payment successful status;
  • Step S31 when the tag payment terminal inquires that the payment status of the custom order number in the tag payment system is successful payment, the payment success information is fed back, for example, the feedback “merchant order '100200' by voice, 100 received yuan”.
  • the tag collection terminal after receiving the transaction amount information, the tag collection terminal generates the merchant custom order number "100200", and updates the transaction amount "100.00” and the merchant custom order number "100200" to or via the MCU Write in the tag data, and then prompt the user to touch the tag payment terminal, for example, voice prompt or indicator light prompt;
  • the tag collection terminal stores the merchant's private key
  • the tag payment system stores the merchant's public key.
  • first hash the entire tag data to obtain the hash value "hash0”
  • use the merchant private key to encrypt "hash0” to obtain the encrypted data "abcd”.
  • the encrypted data "abcd” is read by the mobile phone through NFC
  • the mobile payment terminal sends the encrypted data "abcd” and unencrypted label data to the label payment system when sending the label payment request.
  • the label payment system uses the merchant's public key to decrypt the encrypted data "abcd”, and after decryption, the decrypted hash value "hash1" is obtained, and then the same hash algorithm is used to hash the unencrypted label data to obtain
  • the merchant's custom order number "100200" will also be sent through the tag payment request process.
  • FIG. 4 is a block diagram showing a data system implemented based on an NFC tag according to a second embodiment of the present invention.
  • the data system based on the NFC tag of the second embodiment of the present invention includes an external input device 10, a tag payment terminal 20, a handheld payment terminal 30, and a tag payment system 40.
  • the external input device 10 is used to input the amount data and provide it to the tag collection terminal 20.
  • the tag collection terminal 20 has:
  • NFC tag module 21 used to store NFC tag data
  • MCU22 used to generate a custom order number for identifying a transaction, wherein the payment status of the custom order number is set to an unpaid state when the transaction is not paid, and on the other hand, is used to convert the amount data And the custom number is updated to the NFC tag data stored in the NFC tag module to generate an updated NFC tag;
  • the polling module 23 determines whether payment processing based on the updated NFC tag has been performed by polling the payment status of the custom order number in the tag payment system.
  • the handheld payment terminal 30 is used to read the updated NFC tag, issue a payment request to the tag payment system 40 based on the updated NFC tag and receive a payment response from the tag payment system 40, wherein the payment request also includes It includes the custom order number and the payment status of the custom order number.
  • the tag payment system 40 is used to receive a payment request from the handheld payment terminal 30 and return a payment response to the handheld payment terminal 30, and to change the payment of the customized number when the transaction corresponding to the customized number is successful in the payment
  • the status is the successful payment status.
  • the external input device 10 and the tag cash collection terminal 20 may be provided separately, or may be integrated, for example, integrating the external input device 10 into the tag cash collection terminal 20.
  • the user does not need to input the transaction amount on the mobile phone terminal, but the merchant enters and updates the transaction amount to the NFC tag, thereby enabling It reduces the user's operation complexity and the user's payment experience. At the same time, it can also reduce the difficulty of confirming the merchant's payment collection, and can improve the user's favorability on both the user and merchant sides.

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Abstract

一种基于NFC标签实现的数据处理方法及其系统，该方法包括：获取金额数据；生成用于标识交易的自定义订单号；基于原始NFC标签数据、获取的金额数据以及所述自定义订单号发出标签数据申请请求；基于所述标签数据申请请求，生成更新后的NFC标签数据并保存所述自定义订单号，并且设置该自定义订单号的支付状态为未支付状态；基于所述更新后的NFC标签数据更新NFC标签，得到更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据；以及读取所述更新后的NFC标签，基于所述更新后的NFC标签完成支付处理。该方法不需要用户手机终端输入交易金额而是由标签收款终端通过输入装置获得。

Description

基于NFC标签实现的数据处理方法及其系统、标签收款终端 技术领域
本发明涉及计算机技术，尤其涉及基于NFC标签实现的数据处理方法及其系统、标签收款终端。
背景技术
在开展NFC标签支付项目及在相关产品试用的过程中，发现在标签支付受理环境上还有待完善。例如，现有的NFC标签支付方案是在用户手机终端靠近NFC标签后，由用户在手机终端上输入交易金额完成支付(针对标签为可变金额情况)，这会增加用户操作复杂度，降低用户支付体验，也增加商户收款确认难度。
公开于本发明背景部分的信息仅仅旨在增加对本发明的总体背景的理解，而不应当被视为承认或以任何形式暗示该信息构成已为本领域一般技术人员所公知的现有技术。
发明内容
鉴于此，针对上述问题旨在提供一种不需要用户输入交易金额的基于NFC标签实现的数据处理方法及其系统、标签收款终端。
本发明一方面的基于NFC标签实现的数据处理方法，其特征在于，包括：
金额数据获取步骤，获取金额数据；
自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
标签数据申请步骤，基于原始NFC标签数据、获取的金额数据以及所述自定义订单号发出标签数据申请请求；
标签数据应答步骤，基于所述标签数据申请请求，生成更新后的NFC标签数据并保存所述自定义单号，并设置该自定义单号的支付状态为未支付状态；
标签更新步骤，基于所述更新后的NFC标签数据更新NFC标签，生成更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据；以及
标签支付步骤，读取所述更新后的NFC标签，基于所述更新后的NFC标签完成支付处理，在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态。
可选地，在所述更新标签读取步骤之后进一步包括：
轮询步骤，通过基于所述自定义单号轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
可选地，所述标签支付步骤包括：
读取所述更新后的NFC标签，按照特定格式组织访问链接，以发出发送标签支付请求，其中，标签支付请求中包括所述更新的NFC标签数据；
对更新后的标签数据进行合法性验证后，返回标签支付应答；
基于所述标签支付应答，调用支付控件完成支付；
发送表示支付成功信息，并且，根据该支付成功消息更改所述自定义单号的支付状态。
本发明一方面的基于NFC标签实现的数据处理方法，其特征在于，包括：
金额数据获取步骤，获取金额数据；
自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
标签数据申请步骤，基于原始NFC标签数据、获取的金额数据以及所述自定义订单号发出标签数据申请请求；
标签数据应答接收步骤，接收基于所述标签申请请求产生的标签数据应答，其中，作为标签数据应答，基于所述标签数据申请请 求生成更新后的NFC标签数据；以及
标签更新步骤，基于所述更新后的NFC标签数据更新NFC标签，得到更新后的NFC标签以供支付处理使用，其中，更新后的NFC标签包括所述金额数据。
可选地，在所述更新标签读取步骤之后进一步包括：
轮询步骤，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
本发明一方面的基于NFC标签实现的数据处理方法，其特征在于，包括：
金额数据获取步骤，获取金额数据；
自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
标签更新步骤，基于所述金额数据和所述自定义单号更新NFC标签数据，得到更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据；以及
标签支付步骤，读取所述更新后的NFC标签，基于所述更新后的NFC标签完成发出支付请求并接收支付应答，其中，将所述支付请求中还包括所述自定义单号以及该自定义单号的支付状态，并且在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态。
可选地，在所述标签更新步骤之后进一步包括：
轮询步骤，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
可选地，所述标签支付步骤包括：
读取所述更新后的NFC标签以及用私钥加密该更新后的NFC标签的加密数据；
按照特定格式组织访问链接，以发出发送标签支付请求，其中，标签支付请求中包括所述更新的NFC标签数据、所述加密数据、所述自定义单号以及所述自定义单号的支付状态；
用公钥解密所述加密数据并对所述标签支付请求中的更新后的标签数据进行合法性验证后，返回标签支付应答；
基于所述标签支付应答，调用支付控件完成支付；
发送表示支付成功信息，并且，优选同时，根据该支付成功消息更改所述自定义单号的支付状态。
本发明一方面的基于NFC标签实现的数据处理方法，其特征在于，包括：
金额数据获取步骤，获取金额数据；
自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；以及
标签更新步骤，基于所述金额数据和所述自定义单号更新NFC标签数据，生成更新后的NFC标签以供支付处理使用，其中，更新后的NFC标签包括所述金额数据。
可选地，在所述标签更新步骤之后进一步包括：
轮询步骤，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
本发明一方面的基于NFC标签实现的数据处理系统，其特征在于，具备：外接输入装置、标签收款终端、手持支付终端以及标签支付系统，
所述外接输入装置用于输入金额数据并提供给所述标签收款终端，
所述标签收款终端具备：
NFC标签模块，用于存储NFC标签数据；
MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于基于原始NFC标签数据、由所述外接输入装置提供的金额数据以及所述自定义订单号向所述标签支付系统发出标签数据申请请求以获取下述的更新后的NFC标签数据，以及用于基于从所述标签支付系统获取的下述的更新后的NFC标签数据更新所述NFC 标签模块中的NFC标签，生成更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据，
所述标签支付系统用于根据来自所述标签收款终端的所述标签数据申请请求，生成更新后的NFC标签数据并保存从所述自定义单号，并且设置该自定义单号的支付状态为未支付状态(优选同时设置)，另一方面，当该自定义单号对应的该笔交易在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态，
所述手持支付终端用于从所述标签收款终端读取所述更新后的NFC标签并且基于所述更新后的NFC标签完成支付处理。
可选地，所述标签收款终端进一步包括：
轮询模块，通过基于所述自定义单号轮询所述标签支付系统中的自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
可选地，所述外接输入装置和所述标签收款终端分离设置，
或者所述外接输入装置集成到所述标签收款终端中。
本发明一方面的标签收款终端，其特征在于，具备：
外接或内置的输入装置，用于输入金额数据；
NFC标签模块，用于存储NFC标签数据；以及
MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于基于原始NFC标签数据、由所述输入装置提供的金额数据以及所述自定义订单号发出标签数据申请请求以获取更新后的NFC标签数据，以及用于基于获取的更新后的NFC标签数据更新所述NFC标签模块中的NFC标签，生成更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据。
可选地，轮询模块，通过基于所述自定义单号轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
本发明一方面的基于NFC标签实现的数据处理系统，其特征在于，具备：外接输入装置、标签收款终端、手持支付终端以及标签 支付系统，
所述外接输入装置用于输入金额数据并提供给所述标签收款终端，
所述标签收款终端具备：
NFC标签模块，用于存储NFC标签数据；以及
MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于将所述金额数据和所述自定义单号更新到所述NFC标签模块中存储的NFC标签数据中，以生成更新后的NFC标签，
所述手持支付终端用于读取所述更新后的NFC标签，基于所述更新后的NFC标签向所述标签支付系统发出支付请求并从所述标签支付系统接收支付应答，其中，所述支付请求中还包括所述自定义单号以及该自定义单号的支付状态，
所述标签支付系统用于接收来自所述手持支付终端的支付请求并向所述手持支付终端返回支付应答，并且当该自定义单号对应的该笔交易在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态。
可选地，所述标签收款终端进一步包括：
轮询模块，通过轮询所述标签支付系统中的所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
可选地，所述外接输入装置和所述标签收款终端分离设置，或者
所述外接输入装置集成到所述标签收款终端中
本发明的一方面的标签收款终端，其特征在于，具备：
外接或内置的输入装置，用于输入金额数据；
NFC标签模块，用于存储NFC标签数据；以及
MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于将所述输入装置获得的所述金额数据和所述自定义单号更新到所述NFC标签模块中存储的NFC标签数据中，以生成更新后 的NFC标签，
可选地，进一步包括：
轮询模块，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
本发明的一方面的计算机可读介质，其上存储有计算机程序，其特征在于，该计算机程序被处理器执行时上述的基于NFC标签实现的数据处理方法。
本发明的一方面的计算机设备，包括存储器、处理器以及存储在存储器上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序时实现上述的基于NFC标签实现的数据处理方法。
如上所述，根据本发明的基于NFC标签实现的数据处理方法以及基于NFC标签的数据处理系统，不需要用户在手机终端上输入交易金额，而是由商户输入并将交易金额更新到NFC标签中，由此能够减少用户操作复杂度，降低用户支付体验，同时，也能够减少商户收款确认难度，能够同时提高用户侧和商户侧两者的体验感。
通过纳入本文的附图以及随后与附图一起用于说明本发明的某些原理的具体实施方式，本发明的方法和装置所具有的其它特征和优点将更为具体地变得清楚或得以阐明。
附图说明
图1是表示本发明的第一实施方式的基于NFC标签实现的数据处理方法的流程图。
图2是表示本发明的第一实施方式的基于NFC标签实现的数据系统的框图。
图3是表示本发明的第二实施方式的基于NFC标签实现的数据处理方法的流程图。
图4是表示本发明的第二实施方式的基于NFC标签实现的数据系统的框图。
具体实施方式
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。
首先，说明本发明第一实施方式的基于NFC标签实现的数据处理方法以及基于NFC标签实现的数据处理系统。
图1是表示本发明的第一实施方式的基于NFC标签实现的数据处理方法的流程图。
本发明的第一实施方式的基于NFC标签实现的数据处理方法涉及的是一种基于NFC标签实现的联机支付方法。在该实施方式中，由外接输入装置、标签收款终端、收单系统、手持支付终端(例如进行支付用户的移动终端)以及标签支付系统实现该联机支付方法。
其中，外接输入装置可以是外接于标签收款装置，当然也可以是与标签收款装置一体构成。例如，外接输入装置可以为外接键盘或者集成在标签收款终端上的键盘等。
标签收款终端中的NFC标签保存有标签数据，包括发起方式、交易币种、国家代码、商户名称、商户城市、商户MCC、商户编码、交易金额、标签ID等，其中交易金额由商户输入确定。比如发起方式“31”、交易币种“156”、国家代码“CN”、商户名称“ABC”、商户城市“shanghai”、商户MCC“5311”、商户编码“2500034400020344500034453110004”(后15位为商户号)，交易金额“0.00”，机构代码“220330”、标签ID“456”。
如图1所示，本发明的第一实施方式的基于NFC标签的数据处理方法包括：
步骤S1：商户通过外接输入装置输入交易金额“100.00”并确认；
步骤S2：标签收款终端接收交易金额信息，并通过其具备的MCU生成商户自定义订单号例如“100200”，向收单系统发送标签数据申请请求，这里的自定义订单号作用为用于标识该笔交易，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
步骤S3：收单系统再向标签支付系统发送标签数据申请请求，其中，请求要素例如主要包含商户号“500034453110004”(这里的商户号是截取商户编码“2500034400020344500034453110004”的一部分而构成)、机构代码“220330”、标签ID“456”、商户自定义订单号“100200”以及交易金额“100.00”(其中，商户号、机构代码、标签ID等信息相当于“原始NFC标签数据”)；
步骤S4：标签支付系统处理标签数据申请请求，保存商户自定义订单号“100200”并且保存自定义单号的支付状态为未设置，并且设置标签数据为有效状态，另外也可以选择性地对标签数据设置有效期，例如“1天”，然后向收单系统发送标签数据请申请应答；
步骤S5：收单系统再向标签收款终端转发该标签数据申请应答；
步骤S6：标签收款终端接收标签数据申请应答后，通过其具备的MCU将交易金额“100.00”更新至标签收款终端的标签数据中，并提示用户触碰标签收款终端，比如可以为语音提示或者指示灯提示；
步骤S7：用户将手持支付终端触碰标签收款终端的指定位置，读取更新后的标签数据，如发起方式“31”、交易币种“156”、国家代码“CN”、商户名称“ABC”、商户城市“shanghai”、商户MCC“5311”、商户编码“2500034400020344500034453110004”(后15位为商户号)，交易金额“100.00”，机构代码“220330”，标签ID“456”，并按照特定格式组织访问链接，例如，将更新后的标签数据中的内容按照格式https://nfc.123.com/nfctag/<方法 名>？<参数名>＝<值>组织链接，调用标签支付页面。具体为https://nfc.123.com/nfctag/<A>？<标签内容1>＝<值1>&<标签内容2>＝<值2>&...&<标签内容n>＝<值n>,其中标签内容1至n和值1至n不是原本内容，而是对应原本内容的参数值；
步骤S9：标签收款终端的更新后的NFC标签在被读取后，轮询商户自定义订单号“100200”的支付状态来判断交易结果，如每隔0.5秒向标签支付系统查询商户自定义订单号“100200”的支付状态是否为支付；
步骤S10：手持支付终端向标签支付系统发送标签支付请求；
步骤S11：标签支付系统对标签数据进行合法性验证后，返回标签支付应答,，其中，合法性验证是指判断上送的标签数据与标签支付系统保存的数据是否一致；
步骤S12：手持支付终端接收标签支付应答，若合法性验证通过，则展示付款页面；
步骤S13：用户确认付款信息后，通过手持支付终端调用支付控件完成支付；
步骤S14：手持支付终端向标签支付系统发送支付成功信息；
步骤S15：标签收款终端查询到标签支付系统中该订单支付成功时,则反馈支付成功信息，如通过语音方式反馈“商户订单‘100200’，已收款100元”。
接着，对于本发明的第一实施方式的基于NFC标签实现的数据处理系统进行说明。
图2是表示本发明的第一实施方式的基于NFC标签实现的数据系统的框图。
如图2所示，本发明的第一实施方式的基于NFC标签实现的数据处理系统具备：外接输入装置100、标签收款终端200、手持支付终端300、收单系统400以及标签支付系统500。
其中，所述外接输入装置100用于输入金额数据并提供给所述 标签收款终端。
所述标签收款终端200具备：
NFC标签模块210，用于存储NFC标签数据；
MCU220，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于基于原始NFC标签数据、由所述外接输入装置提供的金额数据以及所述自定义订单号向所述标签支付系统发出标签数据申请请求以获取下述的更新后的NFC标签数据，以及用于基于从所述标签支付系统获取的下述的更新后的NFC标签数据更新所述NFC标签模块中的NFC标签，生成更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据；以及
轮询模块230，通过基于所述自定义单号轮询所述标签支付系统中的自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
其中，标签支付系统500用于根据来自所述标签收款终端的所述标签数据申请请求，生成更新后的NFC标签数据并保存从所述自定义单号，并且设置该自定义单号的支付状态为未支付状态，另一方面，当该自定义单号对应的该笔交易在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态。
手持支付终端300用于从所述标签收款终端读取所述更新后的NFC标签并且基于所述更新后的NFC标签完成支付处理。
收单系统400设置在标签收款终端200与标签支付系统500之间并且用于通信连接两者，当然也可以标签收款终端200与标签支付系统500直接通信连接而省略收单系统400。
这里，外接输入装置100和标签收款终端200可以分离设置，也可以是一体设置，例如将外接输入装置100集成到标签收款终端200中。
接着，对于本发明的第二实施方式的基于NFC标签实现的数据处理方法及其数据处理系统进行说明。
图3是表示本发明的第二实施方式的基于NFC标签实现的数据 处理方法的流程图。
本发明的第二实施方式的基于NFC标签实现的数据处理方法涉及的是一种基于NFC标签实现的脱机支付方法。在该实施方式中，由外接输入装置、标签收款终端、收单系统、手持支付终端(相当于用户的手机)以及标签支付系统实现该脱机支付方法。
步骤S21：商户通过外接输入装置输入交易金额“100.00”并确认；
步骤S22：标签收款终端接收交易金额信息后，生成商户自定义订单号“100200”，通过MCU将交易金额“100.00”和商户自定义订单号“100200”更新至或写入标签数据中,然后提示用户触碰标签收款终端，比如可以为语音提示或者指示灯提示，其中，这里的自定义订单号作用为用于标识该笔交易，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
步骤S23：用户将手持支付终端触碰标签收款终端的指定位置；
步骤S24：这里与第一实施方式不同的是，标签收款终端保存有商户的私钥，标签支付系统保存有商户的公钥，作为一个示例，先对标签数据进行哈希运算，得到哈希值“hash0”，然后使用商户私钥对“hash0”进行加密，得到加密数据“abcd”，当用户将手持支付终端触碰标签收款终端的指定位置，读取加密数据和标签数据，这里作为标签数据例如有发起方式“31”、交易币种“156”、国家代码“CN”、商户名称“ABC”、商户城市“shanghai”、商户MCC“5311”、商户编码“2500034400020344500034453110004”(后15位为商户号)，交易金额“100.00”，机构代码“220330”，标签ID“456”等，并按照特定格式组织访问链接，例如，将标签数据中的内容按照格式https://nfc.123.com/nfctag/<方法名>？<参数名>＝<值>组织链接，调用标签支付页面。具体为https://nfc.123.com/nfctag/<A>？<标签内容1>＝<值1>&<标签内 容2>＝<值2>&...&<标签内容n>＝<值n>,其中标签内容1至n和值1至n不是原本内容，而是对应原本内容的参数值；
步骤S25：标签收款终端的NFC标签在被读取后，通过查询商户自定义订单号“100200”的支付状态，向标签支付系统轮询交易结果，如每隔0.5秒向标签支付系统查询商户自定义订单号“100200”的支付状态是否为支付成功状态；
步骤S26：手持支付终端向标签支付系统发送标签支付请求，其中，由手机支付终端将加密数据“abcd”和未加密的标签数据发送给标签支付系统，并且，也将户自定义订单号“100200”通过标签支付请求一起发送给标签支付系统，这里由于该自定义订单号“100200”为被支付，所以其支付状态为未支付状态(或者也可以由标签支付系统在接收到该自定义订单号“100200”之后在步骤S27中设置该期支付状态为未支付状态)；
步骤S27：标签支付系统对标签数据进行合法性验证后，返回标签支付应答，这里的合法性验证例如包括：标签支付系统用商户的公钥对加密数据“abcd”进行解密，解密成功后得到解密后的哈希值“hash1”，然后用同样的哈希算法对未加密的标签数据进行哈希运算，得到哈希值“hash2”，如果“hash1”和“hash2”相等，则代表标签数据未被篡改，即标签支付请求为合法；
步骤S28：手持支付终端接收标签支付应答，若合法性验证通过，则展示付款页面；
步骤S29：用户确认付款信息后，通过手持支付终端调用支付控件完成支付；
步骤S30：手持支付终端向标签支付系统发送支付成功信息，标签支付系统将该自定义订单号“100200”的支付状态更改为支付成功状态；
步骤S31：标签收款终端查询到标签支付系统中该自定义订单号的支付状态为支付成功的情况下，则反馈支付成功信息，如通过 语音方式反馈“商户订单‘100200’，已收款100元”。
对比第一实施方式和第二实施方式，两者的不同之处在于：
(1)在第二实施方式中，标签收款终端接收交易金额信息后，生成商户自定义订单号“100200”，通过MCU将交易金额“100.00”和商户自定义订单号“100200”更新至或写入标签数据中,然后提示用户触碰标签收款终端，比如可以为语音提示或者指示灯提示；
(2)在第二实施方式中，标签收款终端保存有商户的私钥，标签支付系统保存有商户的公钥。一般的，先对标签数据整体进行哈希运算，得到哈希值“hash0”，然后使用商户私钥对“hash0”进行加密，得到加密数据“abcd”，加密数据“abcd”通过NFC被手机读取后，在发送标签支付请求环节时，由手机支付终端将加密数据“abcd”和未加密的标签数据发送给标签支付系统。标签支付系统用商户的公钥对加密数据“abcd”进行解密，解密成功后得到解密后的哈希值“hash1”，然后用同样的哈希算法对未加密的标签数据进行哈希运算，得到哈希值“hash2”，如果“hash1”和“hash2”相等，则代表标签数据未被篡改，即标签支付请求为合法；
(3)在第二实施方式中，商户自定义订单号“100200”也将通过标签支付请求过程发送。
接着，对于本发明的第二实施方式的基于NFC标签实现的数据处理系统进行说明。
图4是表示本发明的第二实施方式的基于NFC标签实现的数据系统的框图。
本发明的第二实施方式的基于NFC标签实现的数据系统具备：外接输入装置10、标签收款终端20、手持支付终端30以及标签支付系统40。
外接输入装置10用于输入金额数据并提供给标签收款终端20。
标签收款终端20具备：
NFC标签模块21，用于存储NFC标签数据；
MCU22，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于将所述金额数据和所述自定义单号更新到所述NFC标签模块中存储的NFC标签数据中，以生成更新后的NFC标签；以及
轮询模块23，通过轮询所述标签支付系统中的所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
手持支付终端30用于读取所述更新后的NFC标签，基于所述更新后的NFC标签向标签支付系统40发出支付请求并从标签支付系统40接收支付应答，其中，所述支付请求中还包括所述自定义单号以及该自定义单号的支付状态。
标签支付系统40用于接收来自手持支付终端30的支付请求并向手持支付终端30返回支付应答，并且当该自定义单号对应的该笔交易在支付成功的情况下更改自定义单号的支付状态为支付成功状态。
这里，外接输入装置10和标签收款终端20可以分离设置，也可以是一体设置，例如将外接输入装置10集成到标签收款终端20中。
根据本发明的基于NFC标签实现的数据处理方法以及基于NFC标签的数据处理系统，不需要用户在手机终端上输入交易金额，而是由商户输入并将交易金额更新到NFC标签中，由此能够减少用户操作复杂度，降低用户支付体验，同时，也能够减少商户收款确认难度，能够同时提高用户侧和商户侧两者的使用好感。
以上例子主要说明了本发明的基于NFC标签实现的数据处理方法以及基于NFC标签的数据处理系统。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (22)

  1. 一种基于NFC标签实现的数据处理方法，其特征在于，包括：
    金额数据获取步骤，获取金额数据；
    自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
    标签数据申请步骤，基于原始NFC标签数据、获取的金额数据以及所述自定义订单号发出标签数据申请请求；
    标签数据应答步骤，基于所述标签数据申请请求，生成更新后的NFC标签数据并保存所述自定义单号，并且设置该自定义单号的支付状态为未支付状态；
    标签更新步骤，基于所述更新后的NFC标签数据更新NFC标签，生成更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据；以及
    标签支付步骤，读取所述更新后的NFC标签，基于所述更新后的NFC标签完成支付处理，在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态。
  2. 如权利要求1所述的基于NFC标签实现的数据处理方法，其特征在于，在所述更新标签读取步骤之后进一步包括：
    轮询步骤，通过基于所述自定义单号轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  3. 如权利要求1所述的基于NFC标签实现的数据处理方法， 其特征在于，所述标签支付步骤包括：
    读取所述更新后的NFC标签，按照特定格式组织访问链接，以发出发送标签支付请求，其中，标签支付请求中包括所述更新的NFC标签数据；
    对更新后的标签数据进行合法性验证后，返回标签支付应答；
    基于所述标签支付应答，调用支付控件完成支付；
    发送表示支付成功信息，并且，根据该支付成功消息更改所述自定义单号的支付状态。
  4. 一种基于NFC标签实现的数据处理方法，其特征在于，包括：
    金额数据获取步骤，获取金额数据；
    自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
    标签数据申请步骤，基于原始NFC标签数据、获取的金额数据以及所述自定义订单号发出标签数据申请请求；
    标签数据应答接收步骤，接收基于所述标签申请请求产生的标签数据应答，其中，作为标签数据应答，基于所述标签数据申请请求生成更新后的NFC标签数据；以及
    标签更新步骤，基于所述更新后的NFC标签数据更新NFC标签，得到更新后的NFC标签以供支付处理使用，其中，更新后的NFC标签包括所述金额数据。
  5. 如权利要求4所述的基于NFC标签实现的数据处理方法，其特征在于，在所述更新标签读取步骤之后进一步包括：
    轮询步骤，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  6. 一种基于NFC标签实现的数据处理方法，其特征在于，包括：
    金额数据获取步骤，获取金额数据；
    自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；
    标签更新步骤，基于所述金额数据和所述自定义单号更新NFC标签数据，得到更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据；以及
    标签支付步骤，读取所述更新后的NFC标签，基于所述更新后的NFC标签完成发出支付请求并接收支付应答，其中，将所述支付请求中还包括所述自定义单号以及该自定义单号的支付状态，并且在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态。
  7. 如权利要求6所述的基于NFC标签实现的数据处理方法，其特征在于，在所述标签更新步骤之后进一步包括：
    轮询步骤，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  8. 如权利要求6所述的基于NFC标签实现的数据处理方法，其特征在于，所述标签支付步骤包括：
    读取所述更新后的NFC标签以及用私钥加密该更新后的NFC标签的加密数据；
    按照特定格式组织访问链接，以发出发送标签支付请求，其中，标签支付请求中包括所述更新的NFC标签数据、所述加密数据、所述自定义单号以及所述自定义单号的支付状态；
    用公钥解密所述加密数据并对所述标签支付请求中的更新后的标签数据进行合法性验证后，返回标签支付应答；
    基于所述标签支付应答，调用支付控件完成支付；
    发送表示支付成功信息，并且，根据该支付成功消息更改所述自定义单号的支付状态。
  9. 一种基于NFC标签实现的数据处理方法，其特征在于，包括：
    金额数据获取步骤，获取金额数据；
    自定义订单号生成步骤，生成用于标识该笔交易的自定义订单号，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，在该笔交易已完成后被设置为支付成功状态；以及
    标签更新步骤，基于所述金额数据和所述自定义单号更新NFC标签数据，生成更新后的NFC标签以供支付处理使用，其中，更新后的NFC标签包括所述金额数据。
  10. 如权利要求9所述的基于NFC标签实现的数据处理方法，其特征在于，在所述标签更新步骤之后进一步包括：
    轮询步骤，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  11. 一种基于NFC标签实现的数据处理系统，其特征在于，具备：外接输入装置、标签收款终端、手持支付终端以及标签支付系统，
    所述外接输入装置用于输入金额数据并提供给所述标签收款终端，
    所述标签收款终端具备：
    NFC标签模块，用于存储NFC标签数据；
    MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于基于原始NFC标签数据、由所述外接输入装置提供的金额数据以及所述自定义订单号向所述标签支付系统发出标签数据申请请求以获取下述的更新后的NFC标签数据，以及用于基于从所述标签支付系统获取的下述的更新后的NFC标签数据更新所述NFC标签模块中的NFC标签，生成更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据，
    所述标签支付系统用于根据来自所述标签收款终端的所述标签数据申请请求，生成更新后的NFC标签数据并保存从所述自定义单号，并设置该自定义单号的支付状态为未支付状态，另一方面，当该自定义单号对应的该笔交易在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态，
    所述手持支付终端用于从所述标签收款终端读取所述更新后的NFC标签并且基于所述更新后的NFC标签完成支付处理。
  12. 如权利要求11所述的基于NFC标签实现的数据处理系统，其特征在于，所述标签收款终端进一步包括：
    轮询模块，通过基于所述自定义单号轮询所述标签支付系统中的自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  13. 如权利要求11所述的基于NFC标签实现的数据处理系统，其特征在于，
    所述外接输入装置和所述标签收款终端分离设置，
    或者所述外接输入装置集成到所述标签收款终端中。
  14. 一种标签收款终端，其特征在于，具备：
    外接或内置的输入装置，用于输入金额数据；
    NFC标签模块，用于存储NFC标签数据；以及
    MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于基于原始NFC标签数据、由所述输入装置提供的金额数据以及所述自定义订单号发出标签数据申请请求以获取更新后的NFC标签数据，以及用于基于获取的更新后的NFC标签数据更新所述NFC标签模块中的NFC标签，生成更新后的NFC标签，其中，更新后的NFC标签包括所述金额数据。
  15. 如权利要求14所述的标签收款终端，其特征在于，进一步具备：
    轮询模块，通过基于所述自定义单号轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  16. 一种基于NFC标签实现的数据处理系统，其特征在于，具备：外接输入装置、标签收款终端、手持支付终端以及标签支付系统，
    所述外接输入装置用于输入金额数据并提供给所述标签收款终端，
    所述标签收款终端具备：
    NFC标签模块，用于存储NFC标签数据；以及
    MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于将所述金额数据和所述自定义单号更新到所述NFC标签模块中存储的NFC标签数据中，以生成更新后的NFC标签，
    所述手持支付终端用于读取所述更新后的NFC标签，基于所述更新后的NFC标签向所述标签支付系统发出支付请求并从所述标签支付系统接收支付应答，其中，所述支付请求中还包括所述自定义单号以及该自定义单号的支付状态，
    所述标签支付系统用于接收来自所述手持支付终端的支付请求并向所述手持支付终端返回支付应答，并且当该自定义单号对应的该笔交易在支付成功的情况下更改所述自定义单号的支付状态为支付成功状态。
  17. 如权利要求16所述的基于NFC标签实现的数据处理系统，其特征在于，所述标签收款终端进一步包括：
    轮询模块，通过轮询所述标签支付系统中的所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  18. 如权利要求16所述的基于NFC标签实现的数据处理系统，其特征在于，
    所述外接输入装置和所述标签收款终端分离设置，或者
    所述外接输入装置集成到所述标签收款终端中。
  19. 一种标签收款终端，其特征在于，具备：
    外接或内置的输入装置，用于输入金额数据；
    NFC标签模块，用于存储NFC标签数据；以及
    MCU，用于生成用于标识交易的自定义订单号，其中，该自定义单号的支付状态在该笔交易未被支付时设置为未支付状态，另一方面，用于将所述输入装置获得的所述金额数据和所述自定义单号更新到所述NFC标签模块中存储的NFC标签数据中，以生成更新后的NFC标签。
  20. 如权利要求19所述的标签收款终端，其特征在于，进一步包括：
    轮询模块，通过轮询所述自定义单号的支付状态来判断是否进行了基于更新后的NFC标签的支付处理。
  21. 一种计算机可读介质，其上存储有计算机程序，其特征在于，
    该计算机程序被处理器执行时实现权利要求1-10中任意一项所述的基于NFC标签实现的数据处理方法。
  22. 一种计算机设备，包括存储器、处理器以及存储在存储器上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序时实现权利要求1-10中任意一项所述的基于NFC标签实现的数据处理方法。
PCT/CN2019/094981 2018-12-12 2019-07-08 基于nfc标签实现的数据处理方法及其系统、标签收款终端 WO2020119095A1 (zh)

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